This home is in Charter Point, Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Aug 26, 2026·5 days on market·Recent sales in Charter Point·Charter Point
5454 River Trail Road S
Jacksonville, FL 32277
3 more homes for sale in Charter Point →Search Charter Point on the map
About this home
Charter Point
This is a truly unique WOW house. This home features a modern design on .691 acres, all new impact windows, thoughtful updates including flooring, fresh paint, refinished cabinets, newer pool enclosure, newer hot water heaters, and a water softener. The absolutely magnificent garden-wonder rear yard is the true highlight featuring stunning landscaping, a screened pool, extended covered patio, a serene pond with fountains, and a deep artesian well with pump that fills the pool and runs the landscaping sprinklers. Inside you'll find a living and dining area with pool and yard views, kitchen/family room with high ceilings, fireplace, breakfast bar, new dishwasher, wine chiller, and big walk-in pantry. Larger than average bedrooms, separate office/workshop off the family room, spacious closets throughout completes the picture. Robust 400-amp electrical service with new panel delivers twice the power of a standard home, solar panels that help fund the home's energy, Sauna, and 2014 roof!
Next steps in Charter Point
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — 2014 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,683 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $389,261 | $156,785 | — |
| 2024 | $380,408 | $150,250 | ▲ $17,224 |
| 2023 | $376,027 | $142,962 | — |
| 2022 | $346,138 | $135,886 | — |
| 2021 | $271,895 | $129,016 | — |
| 2020 | $257,829 | $150,855 | — |
2025 property taxes (current owner): $3,686/yr
Estimated taxes if purchased at asking price: ~$9,000/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Aug 27, 2026Closed$460,000
- Aug 26, 2026Pending$460,000
- Jul 18, 2026Active Under Contract$460,000
- Jul 12, 2026Active$460,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $195/sq ft; this home is listed at $169/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5477 Brightwater Lane, Jacksonville, FL 32277Listed by FIRST COAST REALTY OF JACKSONVILLE INC | Jun 2025 | $340,000 | $108 | 5/3.5 | 3,159 | 98 | 0.1 |
| 4526 Oak Bay Drive W, Jacksonville, FL 32277Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $560,000 | $205 | 4/3 | 2,728 | 2 | 0.2 |
| 5545 Edenfield Road, Jacksonville, FL 32277Listed by RE/MAX SPECIALISTS | Jun 2026 | $420,000 | $149 | 4/3.5 | 2,820 | 5 | 0.2 |
| 4475 Charter Point Boulevard, Jacksonville, FL 32277Listed by REAL BROKER LLC | Jul 2025 | $443,000 | $195 | 3/3 | 2,271 | 18 | 0.2 |
| 4375 Maywood Drive, Jacksonville, FL 32277Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $300,000 | $129 | 4/3 | 2,329 | 0 | 0.3 |
| 4309 Maywood Drive, Jacksonville, FL 32277Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Aug 2026 | $435,000 | $195 | 4/2.5 | 2,236 | 8 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Charter Point
Charter Point is a neighborhood in Jacksonville, FL (Duval County), ZIP 32277.
View all Charter Point homes for sale →Keep looking
More homes in Charter Point
Pending4375 Maywood DriveJacksonville, FL 32277
4 bd · 3 ba · 2,329 sq ft
$482,500Est. $2,568/moCharming brick single family home in Fort Caroline has been completely renovated. Luxurious vinyl plank flooring, a…
Listing Office: florida homes realty & mtg llc
For Sale4575 Oak Bay Drive WJacksonville, FL 32277
4 bd · 3 ba · 3,186 sq ft
$569,000Est. $3,028/moWelcome to this spacious 4-bedroom, 3-bath pool home tucked beneath the mature oak trees of established Charter Point.…
Listing Office: real broker llc
Pending4463 River Trail RoadJacksonville, FL 32277
4 bd · 4 ba · 2,589 sq ft
$225,000Est. $1,198/moA Tudor revival ready for restoration. Open Floor plan, Split bedrooms, second primary on second floor, Wood burning…
Listing Office: sound investments real estate
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 26, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines